---
source: https://ameyavritti.com/personas/nri-inheritor
site: Ameya Vritti
category: persona
host: Multiple
keywords: NRI inheritor, Multiple NRI Bengaluru property, Section 195 TDS, Indian property tax, premium real estate Bengaluru
updated: 2026-05-06
---

# NRI inheritor — parent passed in India, you're abroad

> **The persona**: You're abroad (US / UK / SG / UAE / CA / AU). A parent or close relative recently passed away in India, holding 1–3 Indian properties. You're suddenly facing succession certificate / probate, mutation, e-Khata, banker re-designation, host-country reporting, and a decision: sell or hold. The complexity is real but solvable with structured coordination.

## What's specific to your situation

### 1. Probate vs succession certificate
If valid Indian Will exists: probate via competent civil court (3–6 months). If intestate: succession certificate (6–12 months). With Will is far smoother.

### 2. Cost basis matters in two ways
India side: cost = previous owner's cost (with indexation). Host side: cost varies — US treats inheritance basis as FMV at decedent's death; UK / Canada / AU also generally favourable. Material on subsequent sale.

### 3. Indian capital-gains tax on subsequent sale
Computed from previous owner's cost (long-held family property = low cost basis = high gain). Section 197 lower-cert can reduce TDS at sale. Indexation Option B usually better for long holds.

### 4. Host-country reporting
USA: Form 3520 if foreign inheritance >$100K (informational, not taxable). UK: IHT if deceased UK-domiciled. Canada: T1135 going forward. Each country has its own filing.

### 5. Decision: sell or hold
Most inheritors hold for 1–3 years to assess + complete documentation, then decide. Ameya's Wealth Portfolio tier supports the holding period; Sale Events tier supports the eventual exit if chosen.


## What Ameya does for you specifically

| Service | Why for this persona |
|---|---|
| [Compliance OS](https://ameyavritti.com/solutions/compliance-os) (₹40K/property/year) | India-side regulatory layer handled — TDS, Form 27Q, e-Khata, BBMP |
| [Section 197 lower-cert](https://ameyavritti.com/solutions/section-197-lower-tds) | Drops sale-side or rental-side TDS materially below default |
| [Property Concierge](https://ameyavritti.com/solutions/nri-asset-management) (8% rent) | Single accountable line for tenant + vendor + repairs |
| [Wealth Portfolio](https://ameyavritti.com/solutions/wealth-management) (0.5–0.8% AUM) | Multi-property coordination + Friday NRI Briefing + founder review |
| [FEMA repatriation](https://ameyavritti.com/solutions/fema-repatriation) | USD 1M/year ceiling planning + Form 15CA/15CB |
| [Truth-Card](https://ameyavritti.com/solutions/truth-card-disclosure) | Honest disclosure on every curated mandate — protect your buy-side decisions |
| [DTAA treaty relief](https://ameyavritti.com/solutions/dtaa-treaty-relief) | Country-specific filings (TRC + Form 10F + host return) |
| [Estate transition](https://ameyavritti.com/solutions/estate-transition-succession) | Cross-border succession when relevant |

## Common questions from this persona

**Q: My father just passed in Bengaluru. What do I do first?**
A: Three things: (1) get the death certificate (family in India can do this), (2) identify whether there's a valid Indian Will, (3) WhatsApp or Cal Ameya — we'll walk through the immediate-action checklist (banker accounts freezing rules, who can access the property, what NOT to do in the first 30 days).

**Q: My sibling is contesting the inheritance. Is this a problem?**
A: Common — partition disputes among multiple heirs. The clean path: (1) attempt amicable settlement with mediation, (2) failing that, partition suit in civil court. Ameya coordinates with empanelled property lawyers; estate cases run from 6 months to 3 years depending on contestation.

**Q: Will my US tax return have problems with this inheritance?**
A: Form 3520 reporting if value >$100K (informational only — inheritance not taxable to recipient in US). Subsequent sale: capital gains computed in US from FMV-at-death basis (often favourable). India side: gains from previous owner's cost — different number. Plan around the cross-basis differential.


## Country page (deep guide)

For the full country-specific guide with DTAA articles, host-country filings, partner banks, and local-context notes: [/solutions/estate-transition-succession](https://ameyavritti.com/solutions/estate-transition-succession).

## Engage

WhatsApp the founder with this context prefilled: [+91 63605 09351](https://wa.me/916360509351?text=Namaste%20%E2%80%94%20a%20family%20member%20passed%20in%20India%20and%20I%27m%20handling%20Indian%20property%20inheritance).

Or book Cal — International time slots; emotional context — we make space: [https://cal.eu/ameyavritti](https://cal.eu/ameyavritti).